Ray McDonald
Penrose,NSW
Summary
Adept Mortgage Broker with a proven track record at Iron Horse Financial Services & Solutions, showcasing superior customer service and strong negotiation skills. Achieved significant client satisfaction and loan approval rates by leveraging in-depth industry knowledge and ethical business practices. Excelled in developing creative financing solutions, resulting in a substantial increase in referral business and exceeding sales targets.
Overview
45
45
years of professional experience
1
1
Certification
Work History
Mortgage Broker
Iron Horse Financial Services & Solutions
12.2017 - Current
- Managed loan pipelines efficiently, promptly addressing any issues or concerns that arose during mortgage process.
- Assisted clients in improving their credit scores and overall financial standing, increasing their chances of loan approval and favorable terms.
- Collaborated with different lenders to find best possible deal for homebuyers.
- Explained entire mortgage loan process to borrower.
- Assessed clients' financial data to determine loan suitability.
- Assisted clients in understanding complex mortgage terms and conditions, empowering them to make informed decisions about their home financing options.
- Implemented efficient documentation practices that expedited processing times while ensuring compliance with industry regulations.
- Conducted comprehensive financial assessments to determine borrower eligibility for various loan programs, optimizing client outcomes.
- Facilitated smooth communication between all parties involved in transactions, resulting in successful loan closings and satisfied clients.
- Exceeded sales targets by cultivating strong relationships with real estate professionals, generating a steady stream of referral business.
- Enhanced client satisfaction by providing personalized mortgage solutions tailored to individual financial needs.
- Ensured exceptional customer service by maintaining consistent communication throughout entire loan origination process.
- Streamlined loan application process for faster approvals and increased customer retention.
- Developed strategies to retain existing clients and maintain long-term connections, fostering customer loyalty and repeat business opportunities.
- Stayed up-to-date on current market trends and regulatory changes, ensuring accurate advice and guidance for clients navigating mortgage landscape.
- Maintained a strong network of industry professionals, fostering valuable partnerships that benefited clients and business growth.
- Proactively identified potential obstacles within loan applications, taking corrective measures early on to minimize delays or complications during processing stages.
- Demonstrated excellent negotiation skills when working with underwriters to obtain favorable loan terms for borrowers in challenging situations.
- Evaluated borrower financial information, pay stubs and credit history to determine loan possibility.
- Established strong relationships with borrowers, which helped to forge new business opportunities.
- Mentored other mortgage brokers in methods to help each land new clientele.
- Developed marketing strategies to consistently generate new leads and expand client base, driving business success.
- Provided ongoing support for past clients to maintain strong relationships and encourage referrals for future business opportunities.
Relationship Manager, Banking Operations
Westpac Group
03.1979 - 03.2016
- Manage portfolio for high net worth clients covering all banking requirements
- Specialied in both commercial and residential financial management within banking group
- Provided comprehensive portfolio management services for clients
- Ensured compliance with all banking regulations and policies
- Developed personalised financial strategies to meet client goals and objectives
Education
Diploma - Accounting And Business Management
NSW TAFE
Sydney, NSW1998
Certificate IV - Cert IV in Finance And Mortgage Broking
National Finance Institute
Sydney12.2016
Skills
- Strong negotiation skills
- Superior customer service
- Ethical business practices
- Residential mortgage lending regulations
- Goal-oriented mindset
- Client engagement and assistance
- Documentation And Reporting
- Loan application processing
- In-depth industry knowledge
- Conducting financial assessments
- Customer service and support
- Creative financing solutions
Certification
Member MFAA
Licenced Mortgage broker
Timeline
Mortgage Broker
Iron Horse Financial Services & Solutions
12.2017 - Current
Relationship Manager, Banking Operations
Westpac Group
03.1979 - 03.2016
Diploma - Accounting And Business Management
NSW TAFE
Certificate IV - Cert IV in Finance And Mortgage Broking
National Finance Institute
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